Personal loan repayment calculator

6 of 235 results

Interest rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
NOW Finance No Fee Unsecured Personal Loan Finder AwardFixed18 Months - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 5.95% to 26.95%	Comp. Rate (p.a.) 5.95% to 26.95%	Application Fee $0	Monthly Fee $0	Monthly Repayment $607.99	Borrow up to $50,000 for any worthwhile purchase and pay no establishment or ongoing fees without providing collateral. You can also benefit from a more competitive interest rate if you have a strong credit score.	Up to $500 RewardT&Cs apply T&Cs apply Go to site View details Compare product selectionCompare	loading
OurMoneyMarket Unsecured Low-Rate Personal Loan ($20,000-$100,000) ExclusiveFixed1 - 7 Years $20,000 - $100,000	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $607.99	Finder exclusive: Receive a $100 eGift Card if you have Excellent Credit (as determined by OMM’s credit assessment and scorecard), apply via Finder by 30 June 2026, and settle by 15 July 2026. For loans between $20,000 and $100,000 only. T&Cs apply.	Eligibility: Applicants must have an Equifax credit score of 500 or above, an annual income of more than $25k, and must be an Australian citizen or permanent resident.	Go to site View details Compare product selectionCompare	loading
Revolut Unsecured Personal Loan - Very Good Credit Fixed1 - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 7.48% to 7.98%	Comp. Rate (p.a.) 7.90% to 8.41%	Application Fee $299	Monthly Fee $0	Monthly Repayment $631.24	Apply online and then access your funds in minutes if you're approved. Pay no monthly or annual fees to use the loan and no early repayment fees. Eligibility: Must be an Australian/NZ citizen or permanent resident, employed for 3+ months, earning at least $2,000/month, with a recommended Equifax credit score of 500+.	Go to site View details Compare product selectionCompare	loading
Latitude Fixed Rate Personal Loan ExclusiveFixed2 - 7 Years $5,000 - $10,000	Interest Rate (p.a.) 9.99% to 29.39%	Comp. Rate (p.a.) 11.66% to 30.97%	Application Fee $395	Monthly Fee $16.50	Monthly Repayment $674.49	Finder exclusive: A 2% rate discount may be available to select customers (1 Jul 2026). See if this offer applies to you. Subject to assessment & eligibility criteria. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
ING Personal Loan Most LovedFixed2 - 7 Years $5,000 - $60,000	Interest Rate (p.a.) 6.19% to 19.99%	Comp. Rate (p.a.) 7.03% to 20.78%	Application Fee $199	Monthly Fee $8	Monthly Repayment $624.23	No early repayment fees and same-day funding for existing ING customers. Eligibility: Applicants must be 18+, Australian/ NZ citizen or permanent resident of Australia, and earning at least $36,000 a year (before tax) with PAYG payslips.	Go to site View details Compare product selectionCompare	loading
Revolut Unsecured Personal Loan Fixed1 - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 6.99% to 24.49%	Comp. Rate (p.a.) 6.99% to 25.32%	Application Fee $0	Monthly Fee $0	Monthly Repayment $617.45	Apply online and then access your funds in minutes if you're approved. Pay no monthly or annual fees to use the loan and no early repayment fees. Eligibility: Must be an Australian/NZ citizen or permanent resident, employed for 3+ months, earning at least $2,000/month, with a recommended Equifax credit score of 500+.	Go to site View details Compare product selectionCompare	loading

loading

Showing 6 of 19 results

It's not possible to plan for every expense that's going to come your way, which is why some people choose to take out personal loans. Before you consider taking out a personal loan, it's important to know if you will be able to afford the repayments. Use our calculator to get an idea of what your repayments will look like.

Calculate your personal loan repayments

Your personal loan details

Loan amount

$

Term

Repayment type

Interest rate

%

Monthly fee

$

Interest only period

Payment frequency

Extra monthly repayments

$

Overview of your loan

Once the interest only period ends, your estimated repayments will be

(including extra )

Total loan repayments:

Total interest / fees payable:

Compare personal loans

By making extra monthly repayments of

Your loan term could reduce by:

You could pay less interest, saving:

See as a table

Years remaining	Principal remaining

_{Calculator Assumptions: The above calculations are worked out assuming you're paying off a principal and interest loan where the interest rate remains the same over the life of the loan. The repayment amounts do not take into account any additional fees or charges that may be charged to your loan (e.g. application fees).

Disclaimer: Whilst every effort has been made to ensure the accuracy of this calculator, the results should be used as indication only. They are neither a quote nor a pre-qualification for a loan.}

Why compare personal loans with Finder?

Addicted to details. We know taking out a personal loan is something you'll be hooked up with for a while. That's why we put hours into research for this guide (and still do at least once a month)

Rates obsessed. Lenders come in all shapes and sizes, that's why we don't just track the big banks, but all the digi folk too. Pretty much everyone but your parents to be honest.

Cash for whatever you need. Lending rates verified from 180+ products day and night. Whether you're buying a car, rennovating your home or heck just ready to let loose with the spending - we got you.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.

Written by

Rebecca Pike

Editor, Money

Rebecca Pike is Finder’s money editor, with over 7 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise and 7News, Today and 9News, as well as Sky News, Channel 10 and across radio and print. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines. See full bio

Rebecca's expertise

Rebecca has written 296 Finder guides across topics including:

Home loans
Personal Loans
Car Loans
Cost of living
Budgeting

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

4 Responses

JohnMarch 6, 2025

Hi I,m a pensioner on a centreline payment and looking to buy a small caravan , I own my own home ,what are my chances

Finder

RichardMarch 7, 2025Finder

Hi John,

If you’re receiving the Age Pension you might be able to get a loan approved from a lender. It depends how much you’d have to spend each month repaying the loan. If it ‘s a large portion of your Centrelink payments you’ll probably get rejected.

It also depends on the lender’s own policies around Centrelink payments. I suggest contacting some lenders directly and enquiring first. You’ll probably have more luck with a smaller bank or specialist lender.

I hope this helps.

minaAugust 30, 2019

Is it safe to enter all the information required , such as DOB, License number and so on?

NikkiAugust 30, 2019

Hi Mina,

Thanks for your message.

Yes, it is safe to enter all the information required on our personal loan calculator. You may also read our privacy policy for more details.

Hope this helps!

Best,
Nikki

More guides on Finder

Revolut Personal Loan
Borrow between $5,000 and $50,000 with an unsecured personal loan from Revolut, and don't pay any fees while you repay!
NOW Finance Secured Personal Loan
Secure your next purchase with a top 5% interest rate and no monthly fees.
MONEYME Personal Loan
Get personalised rates starting from 6.25% p.a. without any early exit fees.
NOW Finance Unsecured Personal Loan
This fee-free personal loan offers one of the lowest rates on the market.
St.George Unsecured Personal Loan – Fixed Rate
An unsecured loan from St.George offers a competitive rate to borrow up to $40,000 and you can learn more about this offer and if it's right for you here.
HSBC Personal Loan
Are you looking for a competitive unsecured personal loan? HSBC's Personal Loan is worth considering.
RACQ Bank Personal Loan
If you're looking for a loan to make a large purchase, invest, you might want to consider RACV's Personal Loan.
NOW Finance Personal Loans
Are you looking for a convenient application process and your own loan officer to walk you through everything? Now Finance offers this, plus a fixed interest rate to help you budget throughout your loan term. Find out more about its loans here.
IMB Secured Personal Loan
Get a competitive secured personal loan with no ongoing fees from IMB. You'll need a new or used car as security.
IMB Unsecured Personal Loan
IMB personal loans can be used to finance a range of purchases, including cars, holidays or even home repairs.

Personal loan repayment calculator